Credit Analyst I

Description

Position : Credit Analyst I (Start Date January 2026)

Organizational Location : Houston, Atlanta, Dallas, Ft Worth, North Texas, Austin, Waco, Macon GA, Baton Rouge, Biloxi MS or Little Rock

Primary Purpose :

Primary duty is to analyze and underwrite credit decisions submitted by various lines of business within the bank. Performs basic research and financial / statistical analysis to determine and document the creditworthiness of such requests. Compiles analysis, borrower, industry and other information into documents for review and approval.

Principal Duties and Responsibilities :

• Obtains and analyzes pertinent financial and credit data to assist in determining the risk of the loan request(s).
• Completes financial and repayment analysis with a focus on cash flow, liquidity and leverage analysis.
• Assesses strengths and weaknesses of loan requests.
• Ensures the following standard operating procedures are met when preparing analysis, reports, and presentations for management review : accurate historical financial statements; prudently prepared projections; and represents a clear focus on the merits, risks, and mitigation accordingly.
• Thoroughly documents the credit request in the appropriate format.
• Conducts research to determine the quality, character, and soundness to include but is not limited to : the analysis of basic statistical data & financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc.
• Assist senior team members and commercial bankers to screen loan packages and collect materials. Will need to interact with other departments within the bank such as Treasury Mgmt, Wealth Mgmt, Trust, etc. May also interact with customers and accountants.
• Strives to minimize turnaround time while thoroughly documenting credit requests.
• Participate in training courses as requested.
• Performs other duties as required.

Job Specifications :

Education :

Qualifications

Education High School (required)

Experience Minimum of 9 hours of accounting (required)

3.0 or higher GPA (required)

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.